Laan & Spar Bank AS (LASP) — Cash Flow Quality Index
Laan & Spar Bank AS (LASP) has a Cash Flow Quality Index of -19.76x as of December 2025. Operating cash flow of Dkr-1.51 Billion is below net income of Dkr76.34 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Laan & Spar Bank AS long-term investment allocation to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Laan & Spar Bank AS Cash Flow Quality Index (2003–2025)
Historical Cash Flow Quality Index for Laan & Spar Bank AS across 23 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Laan & Spar Bank AS tangible book value ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Laan & Spar Bank AS (2003–2025)
Year-by-year earnings quality comparison for Laan & Spar Bank AS. For live market cap and the full company financial profile, see market cap of Laan & Spar Bank AS.
| Year | Quality Index | Operating CF (DKK) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -1.36x | Dkr-561.27 Million | Dkr411.33 Million | ▼ -133.8% |
| 2024 | 4.04x | Dkr2.50 Billion | Dkr619.31 Million | ▲ +608.6% |
| 2023 | -0.79x | Dkr-498.75 Million | Dkr627.99 Million | ▼ -108.1% |
| 2022 | 9.85x | Dkr2.49 Billion | Dkr252.48 Million | ▼ -19.7% |
| 2021 | 12.27x | Dkr3.13 Billion | Dkr255.39 Million | ▲ +848.2% |
| 2020 | -1.64x | Dkr-320.22 Million | Dkr195.35 Million | ▼ -114.3% |
| 2019 | 11.45x | Dkr2.54 Billion | Dkr221.69 Million | ▲ +25.3% |
| 2018 | 9.13x | Dkr1.61 Billion | Dkr176.38 Million | ▲ +230.8% |
| 2017 | 2.76x | Dkr593.74 Million | Dkr214.99 Million | ▲ +303.8% |
| 2016 | 0.68x | Dkr120.71 Million | Dkr176.49 Million | ▼ -95.2% |
| 2015 | 14.21x | Dkr1.87 Billion | Dkr131.45 Million | ▲ +1593.1% |
| 2014 | -0.95x | Dkr-125.85 Million | Dkr132.28 Million | ▼ -112.9% |
| 2013 | 7.38x | Dkr715.66 Million | Dkr97.01 Million | ▼ -11.9% |
| 2012 | 8.37x | Dkr863.50 Million | Dkr103.15 Million | ▲ +277.0% |
| 2011 | -4.73x | Dkr-256.90 Million | Dkr54.32 Million | ▼ -402.6% |
| 2010 | 1.56x | Dkr92.64 Million | Dkr59.28 Million | ▲ +223.8% |
| 2009 | -1.26x | Dkr-55.68 Million | Dkr44.12 Million | ▼ -100.2% |
| 2008 | 536.69x | Dkr685.36 Million | Dkr1.28 Million | ▲ +1788.6% |
| 2007 | -31.78x | Dkr-889.16 Million | Dkr27.98 Million | ▲ +40.4% |
| 2006 | -53.37x | Dkr-1.67 Billion | Dkr31.29 Million | ▼ -1096.0% |
| 2005 | 5.36x | Dkr230.14 Million | Dkr42.95 Million | ▲ +38.7% |
| 2004 | 3.86x | Dkr129.90 Million | Dkr33.63 Million | ▲ +101.9% |
| 2003 | 1.91x | Dkr57.25 Million | Dkr29.92 Million | — |